Families

Contango can help you take the steps now that can help your family later.

Ensuring Your Child’s Education

If you're the parent of a newborn or young child, you're probably only too aware that, 18 or so years from now, when your child is ready to enter college, four years in a public college is expected to cost in excess of $100,000; a private school, over $200,000. And we won’t even mention graduate school.

Regardless of the ages of your children or grandchildren, we can help you develop a program that will provide the financial assistance that they require to obtain the education they need.

Retirement Planning
Contango’s objective is to help you make the most of your resources while remaining well within the risk boundaries we have mutually identified as appropriate – keeping in mind that the biggest risk you face is not achieving the goals you consider to be essential.

Retirement planning is not a one-time event. To be effective, investing for retirement must be a dynamic process. It must react and respond to ongoing changes in your financial circumstances, requirements and goals. It must also adapt as market opportunities – returns and risks – change. That’s why your Contango wealth manager will stay in close touch with you, meeting with you as required and encouraging you to inform us as to any significant shifts in your overall situation.

Contango’s objective is to make the most of your resources while remaining well within the risk boundaries we have mutually identified as appropriate – keeping in mind that the biggest risk you face is not achieving the goals you consider to be essential. We can help you:

• Determine a cash-flow plan to provide retirement income.
• Adjust your asset allocation strategy for different stages of retirement.
• Understand the required minimum distributions for your retirement plans.

Charitable Giving
We can help you with strategies to support your favorite charities today while

• Obtaining immediate income tax deductions.
• Removing assets from your taxable estate.
• Avoiding capital gains taxes you would otherwise pay by donating appreciated assets you’ve held for more than a year.

Estate & Trust Planning
High-net-worth clients often miss opportunities to reduce tax inefficiencies, and so reduce their ability to transfer wealth to future generations.

Contango can help you plan your estate to optimize wealth transfer and take advantage of opportunities to reduce potential estate tax liabilities.

• Minimize costs.
• Avoid probate, potentially reduces estate closing costs.
• Provide income for surviving spouse and federal estate tax savings at spouse's death.
• Provide immediate funds for beneficiaries.
• Address continuing control of finances if you cannot do so yourself.
• Minimize court involvement or legal proceedings.
• Avoid public disclosure of your financial affairs.
• Permit lifetime control of assets.
• Limit period for creditors' claims.

Through our affiliate, Western National Trust Company, Contango offers a full array of trust services. Learn More